"Need Help..."
American Express® Preferred Rewards Green Card Review
Written by: desihunk17 on 2008-04-06
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desihunk17's review: 
Hey guys... I applied for this card... And they said I was decline... Cuz I have collection in last 2 years... And way to many inquires... Is there any one here who is American Express card holder... Who has collection account in their report and still got approved... Please let me know... I have public record but it was paid off two years ago... Does any one has any idea how to remove it from my report... I tried everything from lexington law... I disputed many times but it is still their... It is in my experian... Report.
Hey guys... I applied for this card... And they said I was decline... Cuz I have collection in last 2 years... And way to many inquires... Is there any one here who is American Express card holder... Who has collection account in their report and still got approved... Please let me know... I have public record but it was paid off two years ago... Does any one has any idea how to remove it from my report... I tried everything from lexington law... I disputed many times but it is still their... It is in my experian... Report.
5 Comments
Comment 1 by arod
The ONE THING 
on 2008-04-06
Well you will have to wait until it falls from your credit files so check your credit report every 3 month but you said you have 50 inc. That's not good.
Stay with your CITI P. Amex Card its a great card.
Don't apply for anymore credit so that you can improve your FICO file at least for a year.
Thats what I can say for now,
Good luck,
Alex
on 2008-04-06 Well you will have to wait until it falls from your credit files so check your credit report every 3 month but you said you have 50 inc. That's not good.Stay with your CITI P. Amex Card its a great card.
Don't apply for anymore credit so that you can improve your FICO file at least for a year.
Thats what I can say for now,
Good luck,
Alex
Comment 2 by goldenladi
Answering Desihunk Re:Need Help on 2008-04-06
Public records can remain on your cr for 10 years. I have a paid state tax lien reporting for 6 years now.
Some good resources about credit/finance is Liz Pulliam Weston's book titled Your Credit Score and Jean Chatzky's book Pay It Down.
on 2008-04-06 Public records can remain on your cr for 10 years. I have a paid state tax lien reporting for 6 years now. Some good resources about credit/finance is Liz Pulliam Weston's book titled Your Credit Score and Jean Chatzky's book Pay It Down.
Comment 3 by meya
Oh Yessss! on 2008-04-06
They will deny you with all the reasons you just stated. Stay away from them until your reports are clean.
on 2008-04-06 They will deny you with all the reasons you just stated. Stay away from them until your reports are clean.
Comment 4 by debtor00
Yeah on 2008-04-07
Well Amex is not too concerned with inquiries. I have dozens of inqs on experian and they just approved me for both the green and the sky miles. They denied me back in January (when I had far less inquiries I might add), but I demanded that a collection company that had just popped on my credit file in December validate their right to collect on that account. Experian deleted it which jumped my score to 674, and won me 2 AMEX cards. I'm still fighting equifax and trans (scores 637 and 647). I also have an old medical collection that should fall off in 09, and a charge off that should fall off in 3 months on all three bureaus. They still approved me since they were well over 2 years old and I show nothing but good pay history since... The biggest thing with amex... Keep utilization as low as possible.
on 2008-04-07 Well Amex is not too concerned with inquiries. I have dozens of inqs on experian and they just approved me for both the green and the sky miles. They denied me back in January (when I had far less inquiries I might add), but I demanded that a collection company that had just popped on my credit file in December validate their right to collect on that account. Experian deleted it which jumped my score to 674, and won me 2 AMEX cards. I'm still fighting equifax and trans (scores 637 and 647). I also have an old medical collection that should fall off in 09, and a charge off that should fall off in 3 months on all three bureaus. They still approved me since they were well over 2 years old and I show nothing but good pay history since... The biggest thing with amex... Keep utilization as low as possible.
Comment 5 by jessica44
Keep It Clean on 2008-05-02
I would suggest to keep your record clean first before you will continue on applying for the card. I know it might sound unfair to you but no matter what you will do, it really doesn't matter. Their opinion and their records and their policy will win in the end. So better not waste your time and effort on it as of now. Until such time that your record cleans, then that's the time that you will face them to prove them wrong about you. Keep a great smile.
New York Immigration Lawyer Marina Shepelsky, located in Brooklyn, assists clients from the New York metro area and across the United States in all immigration and naturalization matters http://www.E-us-Visa.com
on 2008-05-02 I would suggest to keep your record clean first before you will continue on applying for the card. I know it might sound unfair to you but no matter what you will do, it really doesn't matter. Their opinion and their records and their policy will win in the end. So better not waste your time and effort on it as of now. Until such time that your record cleans, then that's the time that you will face them to prove them wrong about you. Keep a great smile. New York Immigration Lawyer Marina Shepelsky, located in Brooklyn, assists clients from the New York metro area and across the United States in all immigration and naturalization matters http://www.E-us-Visa.com
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Disclaimer: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express. Review content is powered by Finance Globe.
